Is FNDM or XYLD a better dividend investment in 2026?

FNDM currently yields 599.51% with a 5% 5-year dividend growth rate. XYLD yields 10.98% with 0.5% growth. The better choice depends on your goal: FNDM offers higher current income.

What is the dividend yield difference between FNDM and XYLD?

FNDM has a forward dividend yield of 599.51% ($8.99/share annually). XYLD yields 10.98% ($4.30/share annually). The yield gap is 588.53 percentage points.

Home › Compare › FNDM vs XYLD

FNDM vs XYLD: Dividend Comparison 2026

FNDM yields 599.51% · XYLD yields 10.98%● Live data

vsPost on X →

After 10 years · $10,000 invested · DRIP enabled

🏆 FNDM wins by $256919.59M in total portfolio value

INVESTMENT

TIME HORIZON10 years

FNDM

● Live price

599.51%

Share price

$1.50

Annual div

$8.99

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$256919.62M

Annual income

$193,445,400,472.38

Full FNDM calculator →

XYLD

Global X S&P 500 Covered Call ETF

● Live price

10.98%

Share price

$39.13

Annual div

$4.30

5Y div CAGR

Payout ratio

50%

After 10 yrs · $10,000 · DRIP

Portfolio value

$25.3K

Annual income

$3,219.02

Full XYLD calculator →

Portfolio growth — FNDM vs XYLD

📍 FNDM pulled ahead of the other in Year 1

Annual dividend income

🛡️

Recession Test — Did They Cut Dividends?

How each stock treated shareholders during the 3 biggest crises of the last 20 years

Crisis Period	FNDM	XYLD
2008–2009 GFC	— No data	— No data
2020 Q1–Q2 COVID	— No data	— No data
2022 Q4 Rate Hike	— No data	— No data

Based on dividend payment history. "Increased" = dividend grew during crisis. "Maintained" = held within 3%. "Cut" = reduced by more than 3%.

📅

Dividend Calendar Overlap

Combined, FNDM + XYLD cover 0 of 12 months — good coverage

Jan

—

Feb

—

Mar

—

Apr

—

May

—

Jun

—

Jul

—

Aug

—

Sep

—

Oct

—

Nov

—

Dec

—

FNDM pays

XYLD pays

Both pay

Neither

💰

Tax Bracket Optimizer

Which stock is actually better after tax? Adjust your rate to find out.

FNDM

Annual income on $10K today (after 15% tax)

$50,958.63/yr

After 10yr DRIP, annual income (after tax)

$164,428,590,401.52/yr

XYLD

Annual income on $10K today (after 15% tax)

$933.63/yr

After 10yr DRIP, annual income (after tax)

$2,736.17/yr

At 15% tax rate, FNDM beats the other by $164,428,587,665.36/year in after-tax income after 10 years on $10,000

⚖️

Lazy Portfolio Split Optimizer

What's the optimal mix of FNDM + XYLD for your $10,000?

FNDM: 50%XYLD: 50%

100% XYLD50/50100% FNDM

Portfolio after 10yr

$128459.82M

Annual income

$96,722,701,845.70/yr

Blended yield

75.29%

🏛️

Copy Congress — What Are Politicians Buying?

Senate & House STOCK Act disclosures (last 90 days)

FNDM buys

XYLD buys

No recent congressional trades found for FNDM or XYLD in the last 90 days.

STOCK Act mandates disclosure within 45 days of transaction. Data via FMP.Full tracker →

MetricFNDMXYLD

Forward yield	599.51% ✓	10.98%
Annual dividend / share	$8.99 ✓	$4.30
Payout ratio	50%	50%
1-year div growth	0%	0%
5-year div CAGR	0%	0%
Portfolio after 10y	$256919.62M ✓	$25.3K
Annual income after 10y	$193,445,400,472.38 ✓	$3,219.02
Total dividends collected	$251620.75M ✓	$19.6K
Payment frequency	quarterly	monthly
Sector	Stock	ETF

Year-by-year: FNDM vs XYLD ($10,000, DRIP)

Year	FNDM Portfolio	FNDM Income/yr	XYLD Portfolio	XYLD Income/yr	Gap
1← crossover	$70,651	$59,951.33	$10,818	$1,098.39	+$59.8K → FNDM
2	$471,451	$395,854.36	$11,738	$1,222.51	+$459.7K → FNDM
3	$2,973,152	$2,468,698.85	$12,774	$1,364.64	+$2.96M → FNDM
4	$17,731,326	$14,550,053.36	$13,944	$1,527.86	+$17.72M → FNDM
5	$100,069,547	$81,097,028.80	$15,270	$1,715.87	+$100.05M → FNDM
6	$534,816,413	$427,741,997.39	$16,775	$1,933.09	+$534.80M → FNDM
7	$2,708,743,772	$2,136,490,210.17	$18,490	$2,184.87	+$2708.73M → FNDM
8	$13,011,363,314	$10,113,007,477.89	$20,450	$2,477.63	+$13011.34M → FNDM
9	$59,321,696,253	$45,399,537,507.42	$22,697	$2,819.19	+$59321.67M → FNDM
10	$256,919,615,464	$193,445,400,472.38	$25,280	$3,219.02	+$256919.59M → FNDM

FNDM vs XYLD: Complete Analysis 2026

FNDM — Stock

Fund.com Inc. provides fund management products and risk management solutions that help financial advisors, wealth managers, institutions, and ultra-high-net-worth families to create and manage wealth. It offers services and investment fund information to the mass-market individual investors through Internet at fund.com. The company also develops an investment platform that originates and sells an investment product known as exchange traded funds. It operates a strategic alliance with Transparensee Systems, Inc., to develop a search engine for the fund.com Website. Fund.com Inc. was founded in 2007 and is headquartered in New York, New York.

Full FNDM Calculator →

XYLD — ETF

The Global X S&P 500 Covered Call ETF (XYLD) seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the Cboe S&P 500 BuyWrite Index.

Full XYLD Calculator →

📬

Get this FNDM vs XYLD comparison by email

Save your analysis + weekly dividend insights. Free forever.

More comparisons

FNDM vs SCHD FNDM vs JEPI FNDM vs O FNDM vs KO FNDM vs MAIN FNDM vs QYLD FNDM vs JEPQ FNDM vs RYLD

⚠️ Educational purposes only. Not financial advice. Congressional trades sourced from SEC STOCK Act filings via FMP. Past performance does not guarantee future results.